Originally Posted by BigRedChief
Right now its the insurances companies dictating what is available. Since they will gain monetarily if less preventive services are covered, they are definitely not the ones who should decide. but thats exactly who does now.
The preventive care list is done and decided. The link is in the opening post.
Right now the market decides what needs to be covered, whether its by companies deciding which plans to offer their employees or by individuals in the individual market. Putting government in charge of dictating minimum standards is a terrible idea because it inevitably leads to standards inflation and consumers end up with more expensive policies covering types of care they have no want or need of.
The problem is the interests of those who benefit are huge and concentrated while the interests of consumers are small and dispersed. For instance, acupuncturists will stand to gain enormously if insurance is forced by law to cover their work, and so they will lobby whatever legislature or bureaucracy you put in charge of setting standards. Consumers won't notice the extra few dollars they have to pay each month, and so more and more things get to be considered part of a "minimum standard". Its a big problem.